The First National Bank & Trust Co Mortgage Lending & HMDA Data, 2005
In 2005, The First National Bank & Trust Co of Chickasha, OK reported 341 mortgage applications totaling $13.2 million, down 2% from 2004. The average application was for $38,727, and applicants reported an average income of $59,020. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Oklahoma City, OK (302) and Lawton, OK (2).
| Mortgage Company & Address | The First National Bank & Trust Co Po Box 1130 Chickasha, OK 73018 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 341 |
| Total Mortgage Loan Application Amount | $13,206,000 |
| Average Mortgage Loan Application Amount | $38,727 |
| Highest Mortgage Loan Application Amount | $544,000 |
| Average Applicant Income | $59,020 |
| Highest Applicant Income | $513,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First National Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma City, OK | 302 | $ 11,876,000 | $ 39,324 | $ 58,000 |
| Lawton, OK | 2 | $ 36,000 | $ 18,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for The First National Bank & Trust Co in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 158 | $6,854,000 | $25,000 | $200,000 | $37,500 | $513,000 |
| Refinancing | 112 | $4,869,000 | $43,000 | $544,000 | $73,000 | $330,000 |
| Home Improvement | 71 | $1,483,000 | $20,000 | $74,000 | $53,000 | $196,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 293 | $11,771,000 | $40,000 | $544,000 | $53,000 | $513,000 |
| American Indian or Alaskan Native | 16 | $386,000 | $24,000 | $55,000 | $48,000 | $120,000 |
| Hispanic | 13 | $346,000 | $26,000 | $56,000 | $38,000 | $60,000 |
| Not applicable | 9 | $423,000 | $47,000 | $191,000 | $140,000 | $330,000 |
| Black or African American | 7 | $248,000 | $35,000 | $60,000 | $29,000 | $82,000 |
| Not Provided | 3 | $32,000 | $9,500 | $19,000 | $39,500 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 335 | $13,124,000 | $23,000 | $544,000 | $40,000 | $513,000 |
| FHA-insured (Federal Housing Administration) | 6 | $82,000 | $13,000 | $22,000 | $57,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 299 | $11,606,000 | $38,000 | $544,000 | $70,000 | $513,000 |
| Application Denied By Financial Institution | 30 | $1,063,000 | $21,500 | $198,000 | $30,500 | $82,000 |
| Application Withdrawn By Applicant | 11 | $480,000 | $43,000 | $153,000 | $54,000 | $108,000 |
| File Closed For Incompleteness | 1 | $57,000 | $57,000 | $57,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 16 | $434,000 | $27,000 | $45,000 | $38,000 | $73,000 |
| Debt-To-Income Ratio | 6 | $235,000 | $39,000 | $90,000 | $40,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $116,000 | $38,000 | $63,000 | $22,000 | $30,000 |
| Collateral | 2 | $205,000 | $102,000 | $198,000 | $41,000 | $46,000 |
| Credit Application Incomplete | 1 | $7,000 | $7,000 | $7,000 | $23,000 | $23,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $22,000 | $22,000 |
| Other | 1 | $6,000 | $6,000 | $6,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First National Bank & Trust Co's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The First National Bank & Trust Co's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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